Brightside car insurance has its roots in the commercial vehicle market but this Bristol-based broker and financial services player has steadily pushed into the car and home insurance space, increasingly helped by high-tech analytics.
Defaqto: 3/5 stars
Independent assessor Defaqto gives Brightside a three-star score for its private car insurance policies.
Note: Not all Defaqto products with the same star ratings have the same covers and terms.
While sometimes perceived as a ‘niche’ player – think harder-to-cover motorists with convictions or poor credit and address history – Brightside says it’s simply responding to “everyday differences, which can happen to anyone”. In other words, there’s a strong emphasis on your own circumstances and priorities.
Brightside also offers motorbike, taxi, home and business insurance. All their call centres are UK-based. Its insurance backers include blue-chip names like Aviva, LV, AXA and Ageas plus smaller operators.
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Comprehensive car insurance from this broker includes personal accident cover from £5,000 - £50,000 depending on the scheme, plus windscreen insurance. Windscreen cover is optional if you plump for Third Party Fire and Theft or just Third Party.
European cover is included as is courtesy car cover. Brightside’s use of a panel of providers promises a fair amount of flexibility and several optional extras to buy. Breakdown cover is not included but you can buy it as an extra, plus cover for excess protection and keys.
Anyone who’s had their car modified in any way
Those with higher performance vehicles
A driver who might have built up motoring convictions
The Financial Ombudsman Service received 21 car insurance complaints about Brightside. To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.